عملية التوريق الرهني كآلية مهمة في التخفيف من مشكل الإسكان: حالة بنك التنمية المحلية والبنك الوطني لولاية بشار خلال الفترة 2000-2018

الملخص EN

The study aimed to analyze the impact of the securiyization process on the housinge crisis in Algeria, by examining the case of national bank of Algeria (BNA) of state of Bechar 412 and the local developement bank (BDL), in order to achieve the objectives of the stady we estract data on mortgage and mortgage refinancing from the bank (from 2000 to 2018), the interview was also based on the bank’s staff.

we concluded that secutizatin proxess provides liquidity to the bank; the it raising provides liquidity TI the bank, than it raising mortgage loans and easinge the hosing crisis in Algeria.